Schatz

Name

Schatz

Legal name

Schatz Corretora de Seguros

Website

https://schatzcorretora.com.br

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

11–50 employees

Short description

Schatz Corretora de Seguros is a privately held Brazilian insurance brokerage founded in 1974, specializing in real estate and condominium insurance. It distributes products from 17+ major insurers to property owners, real estate agencies, condominium administrators, tenants, and corporate clients across Brazil.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Insurance brokerage
• Real estate insurance
• Condominium insurance
• Rental guarantee insurance
• Corporate insurance distribution

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commission Revenue: Earns commissions from insurance companies for each policy sold and issued. Works with over 17 major insurance providers in Brazil to offer diverse coverage options.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Schatz Corretora de Seguros is a Brazilian insurance brokerage that distributes a broad portfolio of insurance products from 17+ partner insurers, earning commissions on each issued policy. Its offering spans rental guarantee products, property and condominium coverage, vehicle (auto, motorcycle, truck) insurance, life and accident policies, travel, bicycle, engineering risk, syndicate civil liability, and an employee benefits platform with health, dental, and pet insurance. Distribution is led by B2B partnerships with real estate agencies, condominium administrators, and professional syndics, supplemented by direct website and phone/WhatsApp sales.

Product overview

Schatz is a Brazilian insurance broker operating for over 50 years, specializing in real estate and condominium insurance segments. The company offers a comprehensive portfolio of insurance products including rental guarantee products (Título de Capitalização, Seguro Fiança Locatícia), property insurance (Seguro Empresarial, Seguro Condomínio, Seguro Conteúdo, Seguro Imobiliário), specialty lines (Risco de Engenharia, Responsabilidade Civil do Síndico), auto/mobility insurance (Seguro Auto, Seguro Moto, Seguro Caminhão), personal insurance (Seguro Vida Individual, Seguro Vida Global, Seguro Acidente, Seguro Viagem, Seguro Bike), and employee benefits (Benefícios para Funcionários including dental plans, telemedicine, pharmacy discounts, and assistance services). The company also distributes health insurance products (Plano de Saúde, Plano Odontológico, Plano de Saúde PET) through partner insurance companies including Allianz, Alfa, AXA, Chubb, Sura, Tokio Marine, Bradesco, Porto Seguro, HDI, Zurich, Excelsior, Mapfre, Azul, Icatu, Amil, Golden Cross, and Petlove. Schatz operates primarily in the Rio de Janeiro region serving over 50,000 policyholders, more than 60 B2B clients (real estate agencies, condominium administrators, professional managers), and manages over 2,000 protected condominiums and 20,000 fire-protected properties.

Differentiator

Problem solved

Functional benefit

Products and services

• Título de Capitalização (Capital Title) A capital title product that functions as a rental deposit alternative for tenants. Allows redemption at the end of the contract and includes participation in prize drawings, with no credit analysis required.
• Seguro Fiança Locatícia (Rental Guarantee Insurance) Insurance that replaces a guarantor or security deposit for rental agreements. Guarantees payment of rent and charges in case of tenant default, providing security for owners, real estate agencies, and tenants.
• Seguro Empresarial (Business Insurance) Insurance for businesses, clinics, offices, commerce, and services that protects physical assets and contents against structural risks.
• Seguro Imobiliário (Real Estate Insurance) Insurance developed for property managers and owners, offering coverage against structural risks caused by fires. Designed for protecting assets while property is rented.
• Seguro Condomínio (Condominium Insurance) Insurance coverage specifically designed for condominium buildings, protecting the structure and common areas.
• Seguro Conteúdo (Contents Insurance) Protects items inside a property — furniture, appliances, electronics, and utensils — against risks such as fire, theft, and electrical damage.
• Risco de Engenharia (Engineering Risk Insurance) Covers damage to construction in progress — materials, structure under construction, accidents during work. Protects the construction project itself.
• Responsabilidade Civil do Síndico (Syndicate Civil Liability) Personal protection for condominium managers against errors or omissions in the exercise of their duties.
• Seguro Auto (Auto Insurance) Covers damage to the vehicle and third parties in case of collisions, theft, fires, natural events, and other unforeseen events. May include loaner car, 24-hour assistance, and accessory coverage.
• Seguro Moto (Motorcycle Insurance) Guarantees protection for the rider and motorcycle in cases of theft, collision, fire, and third-party damage. May include 24-hour assistance and customized coverage.
• Seguro Caminhão (Truck Insurance) Focused on drivers and transport companies, offers coverage against theft, accidents, fires, and cargo damage, plus roadside assistance. Essential security for those on the road.
• Seguro Acidente (Personal Accident Insurance) Offers financial protection in case of personal accidents, guaranteeing compensation for disability, medical expenses, or death. Extra security for the policyholder and family.
• Seguro Viagem (Travel Insurance) Covers medical expenses, baggage loss, cancellations, and unforeseen events during travel. Peace of mind for any destination.
• Seguro Bike (Bicycle Insurance) Protects bicycles against theft, robbery, and accidental damage, whether at home, in transit, or during use. Ideal for daily commuters and sports cyclists.
• Seguro de Vida Individual (Individual Life Insurance) Financial protection for policyholders and their families in case of unforeseen events, with personalized coverage and life assistance.
• Seguro Vida Global (Group/Collective Life Insurance) A collective life insurance product for companies that want to protect their employees and maintain business stability. All employees are automatically included in coverage.
• Benefícios para Funcionários (Employee Benefits Platform) A comprehensive employee benefits platform offering dental plans, pharmacy discounts, telemedicine, medication subsidies, home and auto assistance, lottery prizes, and death/disability insurance for corporate clients.
• Plano de Saúde (Health Insurance Plan) Health insurance plans offered through partners, available for employee enrollment via Schatz's brokerage distribution.
• Plano Odontológico (Dental Insurance Plan) Dental insurance plans offered through partner Hapvida, providing diagnostics, emergency care, radiology, prevention, and various dental procedures.
• Plano de Saúde PET (Pet Health Insurance) Pet health insurance plans offered through partner Petlove, providing coverage for veterinary care through a network of partner clinics with affordable options.

Quantifiable outcome

• 50,000+ policyholders served
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

17 partnerships are on record, tiered core and minor.

• Allianz SeguroscoreOthersInternational insurance company recognized worldwide for solvency and innovation. Provides complete insurance products for businesses and individuals. Schatz offers their products as part of comprehensive insurance portfolio.
• Alfa SeguroscoreOthersTraditional and credible Brazilian insurer with humanized service. Offers accessible solutions for auto and residential coverage. Part of Schatz's network for diverse client needs.
• AXA SeguroscoreOthersGlobal presence with focus on personalized solutions and excellent enterprise insurance support. Schatz distributes their corporate insurance products.
• Chubb SeguroscoreOthersOne of the world's largest insurers specializing in high-standard coverage and differentiated protection for valuable assets. Partnered with Schatz for premium client coverage.
• Sura SeguroscoreOthersStrong presence in Latin America with experience in corporate insurance and agile digital service. Schatz offers their products for corporate clients.
• Tokio MarinecoreOthersOne of Brazil's largest insurers focused on innovation and digital security with excellent auto insurance cost-benefit. Schatz distributes their products.
• Bradesco SeguroscoreOthersNational reference in insurance with extensive service network and diverse products. Schatz offers their portfolio as part of comprehensive coverage.
• Porto SegurocoreOthersOne of Brazil's most trusted brands with complete 24-hour assistance and flexible plans for auto, residence, and health. Schatz distributes their insurance products.
• Petlove Saúde PetminorOthersSpecialist in animal health with extensive network of partner clinics and affordable coverage options. Schatz offers pet health insurance through this partner.
• HDI SeguroscoreOthersStrong presence in automotive sector with fast claims service and differentiated options for fleets and individuals. Schatz distributes their vehicle coverage.
• Zurich SeguroscoreOthersSwiss tradition of quality with focus on innovation and sustainability, offering customized plans for businesses. Schatz offers their corporate products.
• Excelsior SegurosminorOthersOver 80 years in the market with experience in property insurance and close, reliable service. Part of Schatz's provider network.
• Mapfre SeguroscoreOthersPresent in more than 100 countries with great product diversity and robust service network. Schatz distributes their international insurance products.
• Azul SegurosminorOthersBrand under Porto Seguro group offering more economical auto insurance option with simplicity and practical service. Distributed by Schatz.
• Icatu SeguroscoreOthersLeader in private pension with solidity in life and capitalization segments, recognized for consultative service. Schatz offers their life and investment products.
• Amil SaúdecoreOthersOne of Brazil's largest health operators with extensive provider network and various plans with excellent coverage. Schatz offers health insurance through this partner.
• Golden CrosscoreOthersTradition in supplementary health sector with national medical network and flexible, accessible plans. Schatz distributes their health coverage.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Allianz Seguros: Global insurer with a Brazilian operation offering personal, auto, property, and corporate lines. Listed as a core Schatz partner; both serve the same Brazilian property/auto/corporate buyers through complementary distribution models.
• Bradesco Seguros: Insurance arm of Bradesco, distributing life, auto, residential, and corporate coverage via its own banking channel and broker partners. A core Schatz carrier partner and a benchmark for the kind of integrated financial-distribution scale Schatz cannot match.
• Porto Seguro: Brazil's largest multi-line insurer, offering auto, residential, health, and life insurance both directly and through broker networks including Schatz. Operates in the same product categories (condo, auto, residential, life) as Schatz but is a capital-heavy carrier underwriter rather than a pure brokerage.
• Zurich Seguros Brasil: Swiss insurer with strong Brazilian corporate and SME book. A core Schatz partner providing corporate and specialty products; comparable in distribution strategy and customer base to Schatz's commercial segment.
• HDI Seguros: Brazilian-focused insurer with strength in auto and fleet coverage. Listed as a Schatz partner for vehicle lines; comparable in targeting the same SMB/property owner customers for bundled coverage.
• SulAmérica Seguros: Major Brazilian insurer with strong health and dental lines alongside P&C. Comparable in serving corporate employee-benefit buyers, a segment Schatz actively targets via its Beneficios para Funcionarios platform.
• Tokio Marine Seguradora: One of Brazil's largest insurers, distributing auto, residential, and corporate products via broker channels. Schatz explicitly distributes Tokio Marine products and the two firms share the same end customers in property and mobility insurance.
• Mapfre Seguros: Spanish-headquartered insurer with broad Brazilian presence across personal, auto, and commercial lines. Listed as a Schatz carrier partner and competes for the same broker-distributed property and SME policies.

Direct peers

• Wiz Soluções: One of Brazil's largest insurance broker and consulting networks, distributing multi-carrier products to individuals and corporates across the country. Most directly comparable peer to Schatz in pure brokerage model and product breadth, though at significantly larger scale.

Emerging players

• Minuto Seguros: Brazilian digital-first insurance broker focused on auto and residential, with online comparison and instant quoting. Represents the insurtech threat to traditional brokerages like Schatz, offering a model that could displace the personalized phone/WhatsApp advisory model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/schatzcorretora
• LinkedInlinkedin.com/company/schatzcorretora
• Instagraminstagram.com/schatzcorretora

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Schatz